From Perception to Adoption: Drivers of Commercial Health Insurance Purchase Intentions Among School Teachers in Nepal. Journal of Innovation in Academia , [S. l.], v. 4, n. 2, p. 28–57, 2025. DOI: 10.32674/2634wr54. Disponível em: https://www.ojed.org/jina/article/view/9896. Acesso em: 7 mar. 2026.